IBhanki yaseBaghdad yeyona bhanki ibalaseleyo eIraq kuluntu. I-Al-Qurtas Islamic Bank ikwayibhanki elungileyo esakhulayo. I-Al Mansour Bank for Investment (MBI) yeyona bhanki ibalaseleyo kushishino.
I-Iraq ineebhanki ze-7 eziqhuba urhulumente, i-23 yabucala, i-11 yamaSilamsi kunye ne-11 yangaphandle esebenza apha. Iibhanki ezimbini ezinkulu apha yiBhanki yoRhwebo (kawonkewonke) kunye neBhanki yaseMntla (yabucala).
IBhanki Embindi yase-Iraq isekwe njengebhanki engundoqo ezimeleyo. Le bhanki yongamela icandelo leebhanki nokuphumeza umgaqo-nkqubo wezemali. Ikwagcina uzinzo lwamaxabiso, oovimba bamazwe angaphandle, imiba kunye nokulawula imali kunye neelayisensi.
Yeyiphi eyona bhanki ilungileyo eIraq
IBhanki yaseBaghdad yeyona bhanki ibalaseleyo eIraq kuluntu. I-Al-Qurtas Islamic Bank ikwayibhanki elungileyo esakhulayo. I-Al Mansour Bank for Investment (MBI) yeyona bhanki ibalaseleyo kushishino.
IBhanki yaseBaghdad
IBhanki yaseBaghdad (BOB) yeyona bhanki inkulu yabucala enamasebe angama-40 esizwe. Le bhanki yezizwe ngezizwe-yengingqi ifumene ukuthenjwa ngabantu ukusuka kwiminyaka engama-30. Inesabelo sengonyama kwishishini e-Iraq. I-BOB kuphela kwebhanki enobudlelwane beminyaka eli-10 kunye neCitibank yaseNew York.
Iqinisekisa ukuthotyelwa ngokupheleleyo nemigangatho yolawulo neyokuziphatha. Iqinisekiswa ngolwakhiwo lolawulo olubanzi. Inyuse iprofayile yeenkampani zamazwe ngamazwe kunye noluntu lwangaphandle. I-BOB inesebe layo elikwi-ambassy yase-US, i-ATM kwi-ambassy yase-Bhritane. Ikwayibhanki ekhethwayo ye-EU kunye nabasebenzi be-UN e-Iraq.
I-BOB ifezekise ukukhula konyaka-ngonyaka kunye nokulinganisa okuphezulu kwiBhanki Ephakathi yase-Iraq. IBhanki ibambe ezona dipozithi zinkulu eIraq kwaye ngaphandle kweCovid-19, ngo-2020 ibingunyaka orekhodiweyo. Ibhanki inceda ukuxhobisa abasebenzi kunye nabathengi. Incede ukufumana ileli yempumelelo kwaye yomeleza ukuthembeka kunye nokuthandwa.
I-BOB ityale imali kwitekhnoloji yokuphucula ukukhululeka kokuthengiselana. Oku kuye kwanika abathengi uxolo lwengqondo. I-BOB inabasebenzi beengcali ze-800, kwaye inqobo yenkonzo yinkqubo yokukhetha. Ide yadweliswa kwi-Iraq Stock Exchange kwaye uninzi luphethwe yiBurgan Bank eKuwait. Inabanini-zabelo kwingxowa-mali yotyalo-mali eNew York naseLondon nabo. IBhanki yaseBaghdad ngo-2021 iphumelele ibhaso leBhanki eBalaseleyo (Iraq).
Al-Qurtas Islamic Bank
Le bhanki isebenza ukususela ngo-Matshi 2017 ngemvume yebhanki ephakathi yase-Iraq. Yaqala ngekomkhulu le-250 yeebhiliyoni zeedinari zaseIraq. I-Baghdad likomkhulu lolawulo lwale bhanki.
Ngeempumelelo ngokwesicwangciso sobuchule ivule amasebe ayo amabini amatsha. Yeyiphi eyona ndawo yorhwebo iAl Shorja. Isebe lesibini likwiphondo elithandekayo lebhanki i-Erbil.
Ibhanki iceba ukuvula amasebe amatsha kwiphondo afana neNajaf, Zakho, kunye neSulaymaniyah. Iibhanki zijolise ekuboneleleni ngayo yonke imisebenzi yebhanki neyemali. Imisebenzi iya kuba ngokwemithetho ye-Islamic Sharjah. Le mithetho iya kunceda ukuba negalelo kuphuhliso loqoqosho lwesizwe.
I-Al Qurtas ifuna ukufezekisa iinjongo zezoqoqosho nezentlalo ngomgaqo weSharia yamaSilamsi. Izicwangciso zebhanki ukufaka isandla kuphuhliso olubanzi loluntu ngoku:
- Yenza inzuzo
- Ukutsala kunye nokukhula kweediphozithi
- Zama ukusebenza kwindawo ekhuselekileyo nengenabungozi.
- Uphuhliso lwabasebenzi
I-Al Mansour Bank for Investment (MBI)
I-Al Mansour Bank kutyalo-mali iyeyona iphumelele eyona bhanki ibalaseleyo eIraq yiGlobal Finance Magazine. It is a subsidiary yeQatar National Bank iqela. Iqalise ukusebenza kwayo ekuqaleni kuka-2006 kunye nenkunzi ye-55 yebhiliyoni.
Ibhanki ifumene iwonga ngenxa yokusebenza kwayo kunye neenzame ezityalwe kwiminyaka embalwa edlulileyo. Yamkelwa njengophawu lwamazwe ngamazwe oluneenkonzo ezilungiselelwe ukuthengisa kunye nezorhwebo. I-MBI ihlala ikhetha ukuqhubeka nokubonelela ngeenkonzo ezithembekileyo nezithembekileyo. Oko kubuya kunceda ekufakeni igalelo kuqoqosho lwase-Iraq.
I-MBI ibambisene neenkampani zentlawulo zamazwe ngamazwe. Olu luhlu lubandakanya i-Mastercard, i-Western Union, i-Swift, kunye nezinye ezininzi. I-MBI ibonelela ngezisombululo zentlawulo ezikhuselekileyo nezikhuselekileyo zentlawulo yasekhaya kunye neyomda. Ukongeza, iBhanki yeAl Mansour yeyokuqala eIraq ukuphehlelela amakhadi eBiometric. Ikwaphehlelele amakhadi okuhlawula angasebenziyo.
I-MBI iceba ukugcina ukukhula okuzinzileyo kunye nokuqhuba isicwangciso sokuba yibhanki ehamba phambili kunye neyona nto ihamba phambili e-Iraq ngo-2025. I-MBI inombono wokuxhasa i-QNB ukuba ibe yibhanki ehamba phambili empuma-mpuma, e-Afrika, nase-Asia yaseMzantsi.
Ngaba ndingayivula iakhawunti yebhanki eIraq?
Ewe, nabani na, wangaphandle okanye welizwe lase-Iraqi, unokuvula iakhawunti yebhanki e-Iraq. Umfaki-sicelo kufuneka alungiselele amaxwebhu asemthethweni ukuvula i-akhawunti.
- Uluhlu lwamaxwebhu yi-Iraqi Dinar, ubuzwe be-Iraqi kunye nomhlali, kunye ne-Iraqi Id. Ukuvula i-akhawunti kwi-USD, kufuneka unike amaxwebhu akhankanywe ngasentla kunye nepasipoti.
- Umfaki-sicelo uchonga umntu othunyelwayo. Umthumeli kwaye kufuneka avule i-akhawunti ebhankini umfaki-sicelo oyikhethileyo.
- Umfaki-sicelo wenza idinga nommeli webhanki. Ummeli uya kufuna ukuba umenzi-sicelo agcwalise iifomu ezininzi aze asayine.
- Nje ukuba isicelo sigqitywe iyure enye okanye ezimbini zexesha lokulinda elifunekayo ukuze siqhubeke.
- Umfaki-sicelo wenza idiphozithi yokuqala. Isixa sedipozithi asingcaciswanga, ukuba i-akhawunti ikwi-Iraqi Dinars. Ukuba umfaki-sicelo uvula i-akhawunti nge-USD kwaye ufuna iitshekhi, kufuneka enze idiphozithi ngaphezu kwe-10,000 USD.
- Umfaki-sicelo ngoku une-akhawunti esebenzayo kwaye unokufaka idiphozithi kunye nokurhoxisa.
Uluhlu lweebhanki e-Iraq
Olu luhlu lwezinye iibhanki kunye neenkonzo zemali eIraq eBaghdad nakumaphondo angaphandle. Kukho iibhanki ezingama-64 eIraq.
Kukho iintlobo ezininzi zeebhanki zase-Iraqi:
1. I-State Bank okanye i-Federal Banks, Oku kuqhutywa nguRhulumente we-Iraq kunye nama-7 amasebe okanye iibhanki
2. IiBhanki ezizimeleyo, oku kuqhutywa ngabemi babucala baseIraq (iibhanki ezingama-23).
3. IiBhanki zamanye amazwe, le bhanki iqhutywa ngamashishini angaphandle, (okwangoku yiLebhanon, iTurkey kunye neIran) - iibhanki ezili-16
4. Iibhanki zamaSilamsi (zaBucala), kwaye zihambelana nemithetho yezemali yeSharia-iibhanki ezili-9
The I-Central Bank yase-Iraq kufuneka uphendule kwiBhunga labaPhathiswa base-Iraq. Umgaqo-siseko wase-Iraq uthi urhulumente waseburhulumenteni wase-Iraq unegunya elipheleleyo lokuseka kunye nokusebenza kwebhanki ephambili.
- Imali yase-Iraq yi-Iraqi Dinar (IQD). Inomndilili woguqulo ojikeleze i-6.85 yeedola zaseMelika ukuya kwi-10000 IQD.
- Ezimbini Iibhanki ezinkulu e-Iraq yiBhanki yoRhwebo (kaRhulumente) kunye ne-North Bank (yabucala).
- Kukho iibhanki eziqhutywa ngurhulumente ezisixhenxe, iibhanki zabucala ezingama-7, iibhanki ezingama-23 zamaSilamsi kunye neebhanki zangaphandle ezili-11 eziqhutywa eIraq. IBhanki eNkulu yaseIraq iqinisekisile njengebhanki ephambili ezimeleyo yaseIraq yiBhanki eNkulu yoMthetho waseIraq. Ilawula icandelo lebhanki, igcina uzinzo lwamaxabiso, iphumeza umgaqo-lawulo wemali kwaye ilawula imali kunye nemicimbi yokukhutshwa kweelayisensi.
- Icandelo lebhanki kunye nezixhobo zebhanki e-Iraq naseKurdistan zibonelela ngamathuba otyalo-mali angazange abonwe ngaphambili. “Iindlela zebhanki zale mihla ezisisiseko - njengokutshintshwa kwemali ye-elektroniki yokurhola okanye ezinye iimfuno zebhanki- phantse azikho kwaye amaziko amatyala kunzima ukuwafumana.
IRafidain Bank yeyona bhanki inkulu eIraq kunye neRasheed Bank yeyesithathu ngobukhulu. Kwaye abagcinisa imali bakholelwa ukuba iRafidain Bank kunye neRasheed Bank baphethe isiqinisekiso sikaRhulumente. Izibonelelo zeebhanki zikwimeko ethile zilungelelaniswa yimisebenzi kaNondyebo engahlawulwa umvuzo egameni likaRhulumente.
IBhanki yeNtsebenziswano kwezoLimo – iBhanki kaRhulumente
IAl-Sinak, ejongene neAl-Atesalat
Inombolo: + 964 1 8189081
Inombolo: + 964 1 8189084
I-Iraq Bank-iBhanki yaseburhulumenteni
Isitalato iRamadan 14, ejongene neMosque Saadia
Al-Aumare – Baghdad / Al-Mansour
Inombolo: + 19143604287
IRafidain Bank iBaghdad - iBhanki yaseburhulumenteni
Isitalato iAl-Rashid
Inombolo: + 964 1 8160068
Inombolo: + 964 1 8160166
IRasheed Bank iBaghdad - iBhanki yaseburhulumenteni
Isitalato iAl-Rasheed
Inombolo: + 964 1 8853411
Inombolo: + 964 1 8845287
Ifekisi: + 964 1 8826201
IBhanki yeReal Estate Baghdad / Karada – IBhanki yoMbuso
Ibhanki yezoRhwebo yase-Iraq Baghdad -Ibhanki yaseburhulumenteni
Isithili se-608 iAl-Yarmouk
Isitalato 1 / Isakhiwo 20
Inombolo yomnxeba: +964 1 5433561/2/3
Ifekisi: + 964 1 5433560
Iinkampani zemali
I-Al-Nibal Al-Arabiya yokuTshintshela imali eBaghdad
Ubumelwane baseBhabheli
I-Arsat indian
Kutshintshwe-929
I-Alley-25
Indlu-16 / Isakhiwo 65
Inkampani yaseMouta yokuThumela imali eBaghdad
Wathiq Square
Indawo yokutyela echaseneyo Crispy
Inkampani eManyeneyo yeBaghdad yezeMali
Isitalato iRamadan 14
Ulwakhiwo-43
umthombo: irfad
Shiya iMpendulo